Bankruptcy and Collections

Having trouble paying your bills? Bankruptcy is a legal way to get rid of certain debts and give you a fresh start. You may not need to file bankruptcy because you're already protected. Read this to find out if bankruptcy could help you.

If you are behind in paying your bills, someone will probably contact you to collect the money you owe. You might owe money on a car loan, credit card accounts, medical bills, utility bills, home mortgage and others.

Are you having trouble paying your bills? You might think that bankruptcy is the answer to your problems. But, whether you need it and how much it can help you depends on your situation. For some people it is the best choice, but for many others, it is not.

You have a right to live in housing that is safe, decent and has utilities that work. Your landlord must make sure these utilities are working: heating system, lighting, hot and cold running water, and plumbing. Read this booklet to find out what you can do if your heat or other utilities are not...

Is money being taken out of your pay because you owe money? A wage attachment is a court order that forces your employer to take money from your paycheck to pay the debt. Read this to learn: when that can happen, how much they can take, what you can do if you can’t afford it, and more.

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CTLawHelp.org was created by several nonprofit legal services organizations whose shared mission is to improve the lives of Connecticut’s poorest citizens by providing free legal help to people with very low income. Visit our About Us page to learn more.